The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,839
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,581
−HK$753/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,876
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,521
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$722/mo
Today · 4.125%
HK$27,954
baseline
▲ 0.50% · 4.625%
HK$29,427
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,908/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,607
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,497
−HK$904/mo
Today · 4.125%
HK$30,401
baseline
▲ 0.50% · 4.625%
HK$32,251
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,802/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,825
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,679
−HK$866/mo
Today · 4.125%
HK$33,545
baseline
▲ 0.50% · 4.625%
HK$35,313
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,090/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,375
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,413
−HK$1,055/mo
Today · 4.125%
HK$35,468
baseline
▲ 0.50% · 4.625%
HK$37,626
+HK$2,158/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,936/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,129
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,125
−HK$1,010/mo
Today · 4.125%
HK$39,135
baseline
▲ 0.50% · 4.625%
HK$41,198
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,270/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,911
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,246
−HK$1,356/mo
Today · 4.125%
HK$45,602
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,774/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,204/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,738
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,018
−HK$1,299/mo
Today · 4.125%
HK$50,317
baseline
▲ 0.50% · 4.625%
HK$52,969
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,634/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,050 · Scale 2, in force from 26 Feb 2026)